Life Settlement
Blog & Resources

Two clients could each own a $1 million life insurance policy but receive very different life settlement offers. Why? Because a policy’s potential value in the secondary market depends on much more than its death benefit. Factors such as the insured’s age, health, life expectancy, policy type, and future premium obligations all play a role in determining what a buyer may be willing to pay. At Abacus Life Solutions, we believe understanding these factors can

Many life insurance policyholders borrow against their policies to access cash for retirement, unexpected expenses, or other financial needs. But what happens when a client has an outstanding policy loan and no longer needs the coverage? Some policyholders may assume that having an outstanding loan prevents them from selling their life insurance policy. However, a policy with an existing loan may still qualify for a life settlement. At Abacus Life Solutions, we believe understanding how

Selling a business is often one of the most significant financial milestones in a client’s life. Financial advisors help business owners navigate the transition, manage the proceeds, and prepare for their next chapter. But one asset can easily be overlooked during the process: life insurance. A policy originally purchased to protect a business, fund a buy-sell agreement, or support succession planning may no longer serve the same purpose after ownership changes. At Abacus Life Solutions,

When clients need additional liquidity, their existing life insurance policy may offer more options than they realize. For policies with sufficient cash value, borrowing against the policy can provide access to funds without immediately surrendering coverage. But for clients who no longer need their death benefit, a life settlement may offer another alternative worth considering. At Abacus Life Solutions, we believe understanding the differences between these options can help advisors determine which approach best aligns

As the end of the year approaches, charitable giving becomes an important part of financial planning conversations. Advisors are helping clients evaluate donations, revisit financial goals, and explore ways to support the organizations and causes that matter most to them. But one potential source of charitable funding may be overlooked: an existing life insurance policy. At Abacus Life, we believe policies that no longer serve their original purpose may present an opportunity to support new

Life insurance can play an important role in a client’s financial plan. But the reasons for owning a policy can change over time. A client who purchased coverage years ago to protect their family, support an estate plan, or meet a business need may eventually reach a point where that coverage is no longer necessary. When that happens, advisors should consider another important question: What is it costing the client to keep the policy? At